Liberty Mutual Pet Insurance Review – Of course, many of you already know about Liberty Mutual Insurance. Liberty Mutual Insurance is an insurance company that offers various types of insurance that you can use. Among them are home, health, property, car, and pet insurance.
The pet insurance they offer is widely used by dog and cat owners. They have a policy regarding the process of withdrawing funds for a maximum of 30 days which is borne by the Fire Insurance Company of United States join up with Hartville Pet Insurance.
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The reason many pet owners use Liberty Mutual Pet Insurance is that there are quite several choices on offer. Like, offering various types of insurance policies including special accident policies and health policies for pets. And each pet owner can determine the type of deductible and the amount of reimbursement they want.
However, like any other insurance companies, Pet insurance from Liberty Mutual also does not cover pre-existing conditions, such as breeding costs and cosmetic procedures.
For those of you who are interested in using this insurance, please read in full about the liberty mutual pet insurance review below.
Liberty Mutual Pet Insurance Review – Coverage from Liberty Mutual Pet Insurance
The first thing we will discuss liberty mutual pet insurance review is coverage. When compared to other insurance companies, Liberty Mutual Pet Insurance has a better coverage offer. Policies that apply to a cat average about $ 19 per month, while for a dog $ 48 per month.
The coverage offered is quite broad, including health and accidents. The following is the policy coverage offered for The Complete Coverage type:
- Eye problems
- Inpatient
- Digestive problems
- Drug and food prescriptions
- Cancer treatment
- Diagnostic testing
- Microchipping
- Exam fees
- Hypothyroidism
- Knee and ligament injuries
- All types of operations
Apart from the points above, you can also add other health policies. Under this policy, you can also add preventative care to your pet’s health plan.
When you buy this package, you will get a certain amount of money that you can use for several types of preventive services such as health checks, vaccines, and teeth cleaning. The second type of health policy includes:
- Routine medical tests
- Preventive maintenance services
- Teeth cleaning
- Spaying or neutering
The following additional points are available on The Complete Coverage
- Alternative Therapy
This includes therapies such as physiotherapy, hydrotherapy, and all rehabilitation therapies.
- Behavioral Problems
Part of this comprehensive coverage policy covers issues such as tail chasing, fur pulling, excessive licking, and destructive chewing.
- Chronic Conditions
Provided they are not pre-existing conditions, this section covers conditions or diseases that require ongoing treatment such as skin allergies, fever, diabetes, and various eye conditions.
- Heredity and Congenital Conditions
This program covers any congenital or hereditary conditions, with the condition those are not pre-existing. dysplasia that occurs in the hips will be covered for 14 days from the appearance of the diagnosis results.
Next is the special accident policy which will cover accident-related testing and treatment. Even though it is the cheapest, this policy will not cover sickness. Accident-specific policies cover these kinds of things.
- Fracture
- Cutting
- Abscess
- Bite wounds
- Poisoning
- Stuck in a foreign object
The waiting period on the policy depends on the coverage and medical condition of your pet.
As an example of the Complete Coverage plan, the premium for a 3-year-old female cat is $18.31 per month. This policy also has a $5,000 annual limit, a $250 deductible, and an 80% reimbursement rate. If you want to change the annual policy to unlimited then the policy payment will increase to $27.80 per month.
Liberty Mutual Pet Insurance Review – Limit
The next liberty mutual pet insurance review is about the liquidation limit. The amount of the limit paid per year will be adjusted to the policy you use. Liberty Mutual Pet Insurance provides policy withdrawal options from $5000 to unlimited. The owners of pet generally choose the range of options based on what they need for their cat or dog. The amount can change every year. The unlimited benefit level is the most expensive. With health policies, there will be some specific limits on what a company should pay for certain treatments or services.
Liberty Mutual Pet Insurance Review – Deductibles
Any pet insurance policy and includes a deduction, which is the amount you have to pay each year before the insurance pays out the covered claims. Liberty Mutual Pet Insurance offers you a $100, $250 and $500 deductible option. The higher the premium you pay, the lower your deductible will be.
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Liberty Mutual Pet Insurance Review – Claim & Reimbursement
What we will then discuss about the liberty mutual pet insurance review is the process of claims and reimbursement. Reimbursement premium paid after you have finished paying bills and deductibles. You can go straight to the vet and submit a bill or “claim” to the insurance company for the replacement of your stock. You can pick from 3 different reimbursement options: 70%, 80%, or 90%. The lower the replacement amount you choose, the lower your premium will be.
Replacement is made based on the number of bills given by the veterinarian. Here’s an example:
You have a health policy with a $500 deductible and an 80% reimbursement amount. On a $3,000 bill for covered expenses, you’ll pay a total of $1,000. You’ll first pay the $500 in the deductible, which leaves $2,500 on the bill. The insurance company will pay you $2,000 ($2,500 x 80%), and you’ll pay the remaining $500.
Online Access
Currently, Liberty Mutual Insurance has an online registration feature, which of course makes it easier for you. After registering, you can use the Member Center to access and maintain your account. The Member Center offers you this option.
- View your policy
- Update contact information
- Pay your bills
- Submit and track claim status
- Setting up direct deposit
- Add or remove pets from accounts
- Find the nearest vet clinic
Conclusion
Liberty Mutual Pet Insurance Review – From the information regarding the liberty mutual pet insurance review above, it can be concluded that Liberty Mutual Pet Insurance provides quite a variety of health and accident policy types for your pet.
With a flexible deduction, claim, and reimbursement system, it can help you choose a policy according to your needs. In addition, having an online system can make it easier for you to register and do several things related to your pet policy.
That’s some information about the liberty mutual pet insurance review, I hope it’s useful for you.